A new year means new opportunities, fresh starts and smarter decisions than the year before. Money isn’t happiness, but it sure does help to be smart with it. Make personal finance easy for yourself this New Year by following only a few simple rules:
- Stop eating out – $10 lunches at work may be convenient but they are not logical. Though it may be difficult, set a limited weekly budget for lunches at the least. Even better though is to bring in your lunch from home or enjoy your dinner leftovers. If anything doing this for a month will make you appreciate your meals more!
- Get the best deal – Few people enjoy haggling for money, but when the outcome is saving $200.00 a month on your phone bill you won’t regret getting a little feisty with a customer service representative. Always push your boundaries and be confident that you truly are receiving the most possible for your money.
- Purge – Hello ebay, Craigslist and Amazon! Make easy money and get organized by sorting through your garage, attic or basement and selling it. Either have it sold for you online, or get creative and throw your own at-home auction or yard sale.
- Invest – Investing is smart. Having money is great, but putting it where it will give you greater returns is even better. Think about an individual retirement fund for you and your spouse to enjoy down the road.
- Plan for the future – “Down the road” is here and you need to start saving for your living expenses during your retirement. Another thing to account for is children and supporting them comfortably for 18 years and even being able to assist them with higher education. Nobody has a crystal ball, but everyone knows money is always needed! Start saving now.
Make 2013 your year and enjoy the many benefits of being smart with your personal finance decisions. By following these tips you’ll be well on your way to a heftier wallet without even feeling like your trying! Have questions about your personal finances? Contact us at Integrity Financial today and we will be happy to help you!